Natural hazards · Comstock

Comstock, MI natural hazards

Most of the natural-hazard damage FEMA expects in Comstock comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 23 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Comstock?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Comstock to be higher than in 15% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes22%Hail12%Cold waves7%Everything else10%

By hazard

What Comstock faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

50% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 83% of U.S. places

Hail

12% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Comstock flood?

Every paid claim on a federal flood insurance policy in Comstock, from FEMA’s records.

23paid claims since 1979

$238Kpaid to owners

3homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 10 claims, $98K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Comstock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kalamazoo County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Comstock

Federal disasters declared here

None of the disasters declared for Kalamazoo County shows FEMA aid or repair money reaching Comstock itself in FEMA’s records.

Brought FEMA money into ComstockDeclared for Kalamazoo County only

Kalamazoo County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Comstock

Comstock and the towns around it

Very lowLowModerateHighVery high

Pavilionmostly inland floodingLow

Charlestonmostly inland floodingLow

Kalamazoomostly inland floodingLow

Comstockmostly inland floodingVery low

Richlandmostly inland floodingVery low

Galesburgmostly inland floodingVery low

Kalamazoomostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Comstock covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Comstock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Comstock. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Comstock total about $4.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.